Template-Type: ReDIF-Article 1.0 Author-Name:Khromov Mikhail Author-Name-First: Mikhail Author-Name-Last:Khromov Author-Workplace-Name: Gaidar Institute for Economic Policy Title: RETAIL BANK LENDING: DEBT BURDEN IS DECREASING Abstract: In 2016, the volume of bank lending resumed growth. However, its level remains below the 2014 indicators and is insuļ¬cient to curtail the reduction of the population’s loan debt volumes. There is a shift in the retail bank lending debt structure in favor of the long-term and cheaper mortgages. This results in the reduction of the debt burden on the disposable income of the households. Classification-JEL: E21, E41, E51, E58, G21 Keywords: Banking sector, Russian Economy Year: 2016 Issue:6 Month: June Pages: 11-12 File-URL: https://iep.ru/files/RePEc/gai/recdev/recdev-2016-6-663.pdf File-Format: application/pdf File-Function: Revised version, 2016 Handle: RePEc:gai:recdev:recdev-2016-6-663